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Best Financial Advisors in Dunedin

We assessed 9 financial advisors in Dunedin and ranked the top 5 on their public review record: rating quality, review volume and how recent the reviews are. The 9 listed below hold 944 Google reviews between them. No business can pay for a place in these rankings. Last updated 7 August 2026. How we rank →

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Before you hire

Financial advisers in NZ must be licensed under the Financial Markets Conduct Act. Check their licence on the Financial Service Providers Register, ask how they are paid (fee-for-service or commission), and confirm they are required to act in your best interest, not just recommend suitable products.

Top 5 Financial Advisors in Dunedin

The top 5 financial advisors in Dunedin are MortgageMe, MoaMoney, Just Financial, Craigs Investment Partners, and Finance New Zealand, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.

  • 1

    MortgageMe

    ★ 5.0 785 reviews +21 Top5 Score 200 +1
    5★ 769 4★ 13 3★ 1 1★ 2

    MortgageMe gets first-home buyers to settlement across mortgage structuring, KiwiSaver fund reviews, and life insurance, with named advisers handling each area end to end. Advisers like Hayden, Marie, and Blake walk clients through loan options, deposit breakdowns, and fund comparisons in plain terms, so clients know what they are deciding before they sign anything.

    Reviews most often describe: First-home buyers needing mortgage and KiwiSaver guidance

    • ✓ Advisers explain KiwiSaver fund options clearly before any switch is made
    • ✓ First-home clients receive to-do lists and step-by-step milestone guidance
    • ✓ Responds quickly to questions throughout the application and approval process

    location_on 155 Princes Street, Central Dunedin, Dunedin

    map Map Is this your business?
  • 2

    MoaMoney

    ↑ 1
    ★ 5.0 47 reviews +2 Top5 Score 154 +4
    5★ 47

    MoaMoney specialises in securing mortgages for clients other brokers struggle to place, including New Zealand citizens living abroad, foreign income earners, and first-home buyers on tight deadlines. Asher has navigated offshore lending rules, foreign income assessments, and same-day finance approvals, often working through holiday periods to meet settlement dates.

    Reviews most often describe: Expats and overseas buyers with complex lending situations

    • ✓ Secured mortgage approvals for clients earning income from overseas
    • ✓ Arranged finance on same-day and holiday-period deadlines for buyers
    • ✓ Guided first-home buyers through every step with clear plain explanations

    location_on Fl 1/252 Cumberland Street, Central Dunedin, Dunedin

    map Map Is this your business?
  • 3

    Just Financial - Insurance, Home Loans, KiwiSaver

    ↓ 1
    ★ 5.0 51 reviews Top5 Score 151
    5★ 51

    Just Financial turns around home loans, mortgage refinancing, and KiwiSaver advice for clients who have already been told no elsewhere, working outside standard hours to get deals across the line. Arthur takes clients through each step personally, explaining provider differences in plain terms and staying in contact from first enquiry through to settlement and beyond.

    Reviews most often describe: Complex loan cases other lenders and brokers declined

    • ✓ Secures loan approvals after other brokers and banks say no
    • ✓ Explains KiwiSaver provider differences clearly before any switch
    • ✓ Stays in contact through every stage from application to settlement

    location_on Public Trust Building, 2nd Floor/442 Moray Place, Central Dunedin, Dunedin

    map Map Is this your business?
  • 4

    Craigs Investment Partners Dunedin

    ★ 4.7 14 reviews +3 Top5 Score 137 +1
    5★ 13 1★ 1

    Craigs Investment Partners covers KiwiSaver management, broader investment portfolios, and ongoing strategy reviews, with advisers like Mike tailoring risk tolerance conversations to each client before implementing anything. Regular plain-language updates keep clients across how their money is working, and families often bring in parents and siblings once they see results for themselves.

    Reviews most often describe: Investors wanting ongoing personalised portfolio and KiwiSaver management

    • ✓ Advisers match investment strategy to each client's stated risk tolerance
    • ✓ Regular easy-to-understand updates provided throughout the relationship
    • ✓ Clients refer family members after seeing results from their own portfolios

    location_on Level 4/229 Moray Place, Central Dunedin, Dunedin

    map Map Is this your business?
  • 5

    Finance New Zealand – Business & Asset Finance Otago

    ★ 5.0 15 reviews Top5 Score 136
    5★ 15

    Finance New Zealand places asset and equipment finance for small businesses, logging operators, and contractors, including cases where other lenders have already said no. Grant works quickly, keeps paperwork lean, and revisits options until he finds a structure that works, building ongoing relationships with clients as their businesses grow.

    Reviews most often describe: Small businesses and contractors financing heavy machinery or assets

    • ✓ Secures approvals after multiple other lenders have declined applicants
    • ✓ Minimal paperwork compared to standard commercial lending processes
    • ✓ Returns to find new finance solutions as client businesses expand

    location_on Meridian mall Finance NZ C1/267 George Street, Central Dunedin, Dunedin

    map Map Is this your business?

Before you choose a financial advisor in Dunedin

Drawn from 105 customer reviews collected for this page. The first answer is what it costs.

What does a financial advisor typically cost in New Zealand? expand_more

Fee structures in New Zealand fall into three main types: hourly rates, flat fees, and commission. Hourly rates run from $150 to $400, while a full financial plan often costs between $1,500 and $5,000. Mortgage and insurance advisors are often paid by commission from lenders or insurers, meaning no direct cost to you. Under the Financial Markets Conduct Act, all commissions must be disclosed before advice is given.

Does a financial advisor need to be licensed in New Zealand? expand_more

Since March 2023, anyone providing financial advice to retail clients for payment must operate under a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority. Individual advisers do not always hold their own licence; many operate as authorised advisers under a larger FAP licence holder. You can verify any adviser or their employer on the Financial Service Providers Register at the Companies Office website, which is free and publicly searchable. If an adviser cannot give you their FAP licence details or does not appear on that register, they are not legally permitted to advise you.

How do I know if the advice is tailored to my situation, or just a product recommendation? expand_more

Tailored advice shows up in the detail: reviewers noted advisors who explained KiwiSaver options in terms specific to the client's situation, structured home loans using both offset and fixed rates to suit individual needs, and mapped out clear action steps for first-home buyers. Under New Zealand disclosure rules, an adviser recommending a specific product must tell you how they are paid in relation to that product, which helps you judge whether the recommendation suits you or suits their commission. Ask early on whether the adviser will present multiple options or a single solution, and whether they will document the reasoning behind their recommendation.

What are the warning signs of a financial advisor you shouldn't use? expand_more
  • –One review described an initial phone enquiry met with a negative attitude and unprofessional conduct, which is a clear signal to walk away before committing.
  • –An adviser who cannot explain how they are paid, or who is vague about commissions, is not meeting their legal disclosure obligations.
  • –Be cautious if an adviser presents only one product or lender without explaining why alternatives were ruled out.
  • –Poor responsiveness after the first meeting is a red flag; several reviews praised advisers specifically for prompt replies, suggesting this is not guaranteed across the board.
  • –An adviser who does not ask detailed questions about your income, goals, risk tolerance, or timeline before making a recommendation is likely not tailoring advice to your situation.
What should you ask before hiring a financial advisor? expand_more
  • –Ask how they are paid: fee, commission, or a combination, and request the specific amounts or rates in writing before you agree to anything.
  • –Ask which lenders, insurers, or product providers they have access to, since a limited panel may mean you miss better options available elsewhere.
  • –Ask whether they will present multiple options or a single recommendation, and how they document the reasoning behind whichever path they suggest.
  • –Ask how often they will contact you after the initial engagement and what their process is if your circumstances change, such as a job loss or change in income.
  • –Ask for their FAP licence number and verify it on the Financial Service Providers Register before signing anything.

Financial Advisors ranked 6 to 9 in Dunedin

They scored below the top 5 on the same public review record.

  • 6

    Safe-n-Sure NZ Ltd - Health, Life, Income, and Mortgage Protection

    ★ 5.0 14 reviews Top5 Score 135
    5★ 14

    Safe-n-Sure covers health, life, income protection, and mortgage protection insurance, with adviser Svetlana working closely with clients to find cover suited to their family situation. When claims run into trouble with insurers, she stays involved for the duration, advocating on the client's behalf until the issue is resolved.

    Reviews most often describe: Families wanting a long-term insurance adviser relationship

    • ✓ Stays involved through lengthy insurance disputes until resolved
    • ✓ Clients return for ongoing advice and support over multiple years
    • ✓ Recommended through personal networks and word of mouth by multiple clients

    location_on 218 George Street, Dunedin

    map Map Is this your business?
  • 7

    Findex Dunedin

    ★ 5.0 10 reviews Top5 Score 131
    5★ 10

    Findex builds lasting adviser relationships across tax returns, business planning, and specialist tax advice, with named advisers like Michael, Jeff, and Jarod staying close to clients year after year. Jeff in particular has helped clients improve business processes and efficiencies alongside the core accounting work, making them useful well beyond the annual paperwork drop-off.

    Reviews most often describe: Long-term clients wanting an accountant and business adviser

    • ✓ Named advisers stay with clients across many years of service
    • ✓ Business process improvements delivered alongside annual accounting work
    • ✓ Specialist tax advice accessible through the same team when needed

    location_on 44 York Place, Central Dunedin, Dunedin

    map Map Is this your business?
  • 8

    NZ Funds Private Wealth Dunedin

    ★ 5.0 5 reviews Top5 Score 123
    5★ 5

    Clients approaching or in retirement who value continuity find lasting partnerships here, with one client citing over 35 years of tailored guidance. Accountants refer their own clients to this firm, suggesting trust-based relationships extend beyond individual savers to professional networks.

    Reviews most often describe: Long-term clients planning retirement transitions

    • ✓ Multi-decade client relationships
    • ✓ Team succession planning built in
    • ✓ Referred by other professional advisors

    location_on Bracken Court Level 2/480 Moray Place, Central Dunedin, Dunedin

    map Map Is this your business?
  • 9

    Sally Bisset Insurance SHARE

    ★ 5.0 3 reviews Top5 Score 118
    5★ 3

    Hire Sally Bisset if you're navigating complex insurance decisions and want someone who walks you through the detail rather than just processing an application. She follows up after the initial sale, staying available when your circumstances or coverage questions change.

    Reviews most often describe: Families needing health insurance and complex cover guidance

    • ✓ Guides through complex insurance situations
    • ✓ Arranges health insurance for dependents
    • ✓ Maintains contact after initial setup

    location_on Level 6/265 Princes Street John Wickliffe House, Dunedin

    map Map Is this your business?

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About this ranking

How are the top financial advisors in Dunedin chosen? expand_more

We build this page from Google Maps results for financial advisors in Dunedin. Each one is scored on its public rating and review record. Businesses outside the area, or whose reviews describe a different line of work, are left out. See how we rank for the full method.

How often are rankings updated? expand_more

Every category and city is recrawled on a rolling cycle, about once a month. This page was last checked on 7 August 2026.

Can a business pay to appear in this list? expand_more

No. Top 5 and Also Recommended positions are merit-only and cannot be purchased. Verifying a business is free. A subscription adds a website link on the card, a public profile page, and competitor and ranking history in the owner's dashboard, none of which affects ranking position. See what a subscription includes.

Why isn't my business listed? expand_more

We build this page from Google Maps results for financial advisors in Dunedin. The usual reasons for missing out are a Google Business category that does not match, too few reviews to score near the top, or an address outside the area we cover. At the last update, the smallest review count among the 9 businesses listed here was 3. Check where you rank or read how rankings work.